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The Villages, Sumter County

The Villages Mortgage Broker

Your licensed The Villages Mortgage Broker for FHA, Conventional, VA & Down Payment Assistance home loans. As a trusted mortgage broker serving The Villages and all of Sumter County, we close loans in 14–21 days with honest rates and no surprises.

$390,000

Median Home Price

79,077

Population

32162

Primary ZIP

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Get Pre-Approved in The Villages

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in The Villages

The Villages Home Loan Programs

Mortgage Capital is your local The Villages Mortgage Broker. The Villages — Largest 55+ community in Sumter County— has its own price points and buyer profile, and we match each loan to it instead of running every client through the same box.

Whether you are purchasing your first home in The Villagesor refinancing an existing mortgage, our team provides personalized guidance from application to closing. Furthermore, as a mortgage broker — not a bank — we shop dozens of lenders to find you the most competitive The Villages mortgage rates available in 2026.

The Villages's median price of around $390,000 puts it in the heart of Sumter County's first-time and move-up buyer range. Buyers here split fairly evenly between FHA and conventional financing, and many qualify for Florida down payment assistance. We shop both routes side by side so The Villages clients see the real monthly difference before committing.

Available Loan Programs in The Villages

✓FHA loans — 3.5% down with flexible credit

✓Conventional loans from 3% down

✓VA loans — $0 down for veterans

✓Down Payment Assistance — Hometown Heroes & FL Housing

✓First-time buyer programs

✓Refinance — rate/term & cash-out

Prices in The Villagesstill vary by neighborhood and property type, so the right loan program and down payment strategy depend on your specific target range. Ready to see real numbers? We'll pull current The Villagesrates for your price point and program at no cost — start with a five-minute application or call (561) 300-0380.

The Villages Market Data — 2026

CityThe Villages

CountySumter County

ZIP Code32162

Median Price$390,000

Population79,077

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in The Villages

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In The Villages — typically 14–21 days

FAQ

The Villages Mortgage Questions

How do I find a mortgage broker in The Villages, FL?

Mortgage Capital is a licensed The Villages Mortgage Broker (NMLS# 1859012). However, choosing the right broker matters because not all lenders offer the same programs or service. Because we are locally based in South Florida, we know the The Villages market and the specific programs available to The Villages buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in The Villages?

For a $390,000 home in The Villages, a 3% conventional down payment runs roughly the low five figures, while FHA's 3.5% is comparable with easier credit requirements. VA loans offer $0 down for veterans, and Hometown Heroes can contribute up to $35,000 toward your down payment and closing costs — a major help in the The Villages price range.

How long does it take to close on a home in The Villages?

Most The Villages home loans close in 14–21 days with Mortgage Capital. Furthermore, our pre-approval process typically takes less than 24 hours. However, timelines can vary based on loan type, property condition, and seller cooperation. As a result, having a fully underwritten pre-approval letter from day one is the best way to strengthen your offer and accelerate the The Villages closing process.

Explore Loan Programs

Sumter County Mortgage Broker FHA Loans Florida Down Payment Assistance All Florida Loan Programs Apply for Pre-Approval

Ready to Buy in The Villages?

Your local The Villages Mortgage Broker— 5-minute pre-approval, honest rates, fast closing.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.